The Mortgage Record
Lender report card · New Jersey

Roundpoint Mortgage Servicing Corporation

Fort Mill, SC · What the federal mortgage record shows about how Roundpoint Mortgage Servicing Corporation treated New Jersey applicants, 2018–2025 — 361 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
66.8%
241 approved
Denial rate
33.2%
120 denied
Decisions
361
2018–2025
Avg. rate spread
+0.50 pp
vs. market benchmark
66.8% approved
33.2% denied

Share of 361 New Jersey applications Roundpoint Mortgage Servicing Corporation approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional69.1% of 275 · NJ 87%FHA57.7% of 71 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

53%59%65%71%77%57%76%20182019

Pricing

Adjusting for its loan-type mix, Roundpoint Mortgage Servicing Corporation’s rates ran +0.17 pp higher than the typical New Jersey lender (average rate spread +0.50 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Roundpoint Mortgage Servicing Corporation approves

By income
$50–75k61.9% · 63$75–100k66.1% · 59$100–150k72.6% · 113$150–250k64.3% · 42
By debt-to-income
Under 36%70.2% · 12436–43%76.3% · 5943–50%71.3% · 94Over 50%26.3% · 38
By down payment (LTV)
20%+ down78.9% · 12310–20% down73.1% · 26

Why Roundpoint Mortgage Servicing Corporation denied applications

Incomplete application50% of denialsCollateral (value/type)18% of denialsDebt-to-income ratio17% of denialsOther16% of denialsCredit history8% of denialsUnverifiable information6% of denials

Where Roundpoint Mortgage Servicing Corporation lends in NJ

CountyDecisionsApproval
Bergen County3964.1%
Ocean County3857.9%
Monmouth County3677.8%
Passaic County2755.6%

Consumer complaints

CFPB complaints
198
from NJ, 2022–present
Answered on time
89%
of complaints
Closed with relief
0%
monetary or non-monetary

Complaints New Jersey mortgage customers filed against Roundpoint Mortgage Servicing Corporation with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Trouble during payment process. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Roundpoint Mortgage Servicing Corporation (LEI 549300HQOFH1E2CXUH26). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →